Analyzed customer data to identify trends and patterns and develop insights for better business decisions.
Performed statistical analysis on large datasets using advanced analytics tools in SQL and Excel VBA
Created visualizations of complex data sets in Tableau to communicate findings with stakeholders
Assisted in the development of digital marketing campaigns for clients, including email, SEO and SEM, and social media.
Actuarial Analyst (Contract) - One Modelling
Swiss Reinsurance
Toronto, Ontario
03.2023 - Current
Working on the One-Modelling project, migrating RAFM Life Actuarial Models for European, Asian businesses to AXIS; process involves analysing decrements, Inforce Amounts, Cashflows, & Reserves for multiple bases
Querying SQL, using Advanced Excel/VBA to reconcile AXIS & RAFM outputs for various UK Life model-codes
Improving model and process efficiency through the automation of the analytics workflows
Exhibiting sound AXIS skills and time management by working multiple AXIS change demands simultaneously
Attended a week-long AXIS and E-Link bootcamp organized by Moody's
Actuarial Analyst (Contract) - Individual Life
Equitable Life
Toronto, Ontario
07.2022 - 01.2023
Using Excel, VBA in the development of a Par Dividend Tool for Equitable’s Whole Life products – which optimizes interest & mortality components, for various risk-classes, to better calculate and price dividend options
Running & testing various risk scenarios on the Par Dividend Tool, developed the tool according to findings
Developed an Excel VBA code to calculate weekly fund returns for several thousand fund blocks, for the past 3-year period, extracting the data from an MS Access source file - this automation expedited the task by 40%
Created an automated VBA tool to update Trading Grid data, used to populate real-time data for traders
Data Analyst Co-op, Asset Management
Scotiabank
Toronto, Ontario
08.2020 - 12.2020
Carried out process automation for funds analysis using Excel and VBA – expediting the process by 65%
Created dashboards on Tableau to present market-trends through effective data-visualization techniques
Actuarial Co-op, Seg. Funds & Capital Management
Manulife Financial
Toronto, ON
01.2020 - 06.2020
Assisted in 2018-19 Insurance Risk and Interest-Rate Risk analysis of Par & Non-Par products for US, CAD & Asian BU’s
Reported on Private Equity sensitivities pertinent to earnings and reserves, for varying Interest-rate shock levels
Education
Courses: SQL Fundamentals, Intermediate SQL For Data Analysis, Data Analysis For Business in Python -
Data Quest
Toronto, ON
Bachelor of Mathematics, With Economics Minor, Co-op (2017-2022) -
University of Waterloo
Waterloo, ON
Skills
Programming Languages - proficient in Excel VBA, SQL and Python; working experience with R and SAS
Tools: Tableau, Power BI, MS Excel & Access, Moody's AXIS, RAFM (Risk Agility Financial Modeler)
Strong leadership & interpersonal skills: exec roles for Actuarial Science National Association & Humans of UWaterloo, captained varsity soccer teams
Society of Actuaries: Passed Exam P/1, FM/2
Interests
Interests include traveling, photography, playing tennis, & soccer (devoted Manchester United fan since 2006)
Business & Strategy Consultant (Contract Title: Business & Data Analyst) at BNS UEPBusiness & Strategy Consultant (Contract Title: Business & Data Analyst) at BNS UEP
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.